$1,198,000 Pending
2514 Cold Creek Trail
South Lake Tahoe, CA 96150
✗ STR Not Allowed — Cap Reached, New Applicants Waitlisted
El Dorado County's 900-permit Tahoe Basin cap is reached, so new applicants go on the county's waitlist — no new permits are being issued.
3 Beds
·
2.5 Baths
·
2,189 Sq Ft

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About This Property

Special features that set this home apart!* Stiltz mobility lift*Heated garage* Backup generator* Central air conditioning* A bear security system!* Hickory hardwood floors* Cherry wood kitchen cabinetsWelcome to modern mountain living in the highly desirable Montgomery Estates neighborhood of South Lake Tahoe. Tucked away on a quiet street, and surrounded by mature beauty of the Sierra, this thoughtfully designed 3 bedroom, 2.5 bath home offers 2189 square feet of comfortable contemporary living.Blending modern style with mountain warmth, the home is ideal for both full-time living and a peaceful Tahoe rfamily etreat. The generous RV or boat parking makes it easy to enjoy everything Tahoe lifestyle has too offer. The large backyard is beautifully landscaped and fenced in so your fur babies stay safe and secure.With this desirable Montgomery Estates location quiet setting, accessibility and hard-to-find amenities, this is a home designed for comfort, convenience and effortless mountain living.

Listed by Sandra Dobronte — Berkshire Hathaway Home Services Drysdale Properties - South Lake Tahoe

Listing Details

Status Pending
MLS # 143419
Days on Market 47
Price/Sq Ft $547

Property History

Aug 28, 2026
Listed for sale
$1,198,000
Sep 09, 2026
Pending
$1,198,000

Sale History · changed hands 1×

Sold Price Listing agent (sell side) Buyer agent (buy side)
Feb 2021 · county record $1,050,000 Deed record — brokerage sides not reported

MLS closed sales, with duplicate ingestions collapsed and lease records excluded, so each row is a distinct transaction. Rows marked county record come from the assessor's deed data, which reaches back further than the MLS feed; rows marked via a listing site fill the years the feed misses using that site's public sale record.

Property Overview
Beds 3
Baths 2.5
Sq. Ft. 2,189
Lot Size 0.25 acres
Year Built 2005
Property Type Single Family Residence
Style Cabin
Subdivision Lake Christopher
County El Dorado
STR Jurisdiction El Dorado County
Parking
Garage Spaces 2
Parking Features RV Access/Parking, Garage Door Opener
Attached Garage Yes
Exterior & Lot
Exterior Features Bear-Proof Trash Can, Dog Run
Lot Features Adjacent to Forest
View Mountains, Forest
Construction Wood Frame, Wood Siding
Roof Pitched, Composition
Foundation Concrete/Crawl Space
Pool & Spa
Pool No
Utilities & Systems
Heating Forced Air, Natural Gas
Cooling Central Refrig. A/C
Financial
Seller's Annual Tax $11,637
📊

STR Investment Analysis

See projected rental revenue, occupancy rates, and investment scores.

STR Investment Analysis

Red Zone
STRUCTURAL SCORE Premium
65
No revenue projection. Short-term rental permits are not currently obtainable here — the local jurisdiction has reached its permit cap or is waitlisting all new applications.

STR Investment Summary — 2514 Cold Creek Trail, South Lake Tahoe

No revenue projection. Short-term rental permits are not currently obtainable here — the local jurisdiction has reached its permit cap or is waitlisting all new applications.
Structural Score: 65 / 100 (Premium) · STR Zone: Red

Land Coverage (TRPA)

Tahoe Regional Planning Agency impervious-coverage budget for this parcel

Over coverage limit
2,632 sq ft covered of 2,167 sq ft allowed
This parcel exceeds its TRPA coverage allowance. New building typically requires removing existing coverage or acquiring transferable coverage rights.
Parcel Size
10,833 sq ft
Allowed Coverage
2,167 sq ft · 20%
Existing Coverage
2,632 sq ft · 24%
Addable Coverage
0 sq ft
IPES Score
742.0
Land Capability · TRPA-verified
IPES
Existing Units
1

TRPA caps how much of each Tahoe Basin parcel can be covered by impervious surfaces — buildings, driveways, decks. Estimated coverage — data: TRPA GIS / Tahoe Open Data. The only authoritative determination of coverage and land capability is a Land Capability Verification through TRPA; actual allowable coverage can differ due to verifications, transfers, banked coverage, or deed restrictions.

TRPA parcel fact sheet ↗ How the Basin compares

Home Insurance Estimate

California FAIR Plan fire policy + a DIC wrap policy, the usual Tahoe setup

$5,200 – $6,000/yr
about $467/mo
Est. Rebuild Cost (Coverage A)
$919,380
FAIR Plan (fire)
$4,300/yr
DIC wrap (theft, water, liability)
$900 – $1,700/yr

Estimate from this ZIP's California FAIR Plan rates (Plan data as of 6/30/2026, with the 29.1% increase effective 10/15/2026) on an estimated rebuild cost, plus a DIC policy at 20–40% of the FAIR premium. Not a bindable quote; a local broker quote depends on the home's age, roof, defensible space and claims history.

See it in the monthly payment Tahoe wildfire insurance costs

Cost Segregation Tax Savings

Estimated first-year bonus depreciation savings

Estimated First-Year Tax Savings
$0
via bonus depreciation
Land Value
$0
Improvement Basis
$0
5-Year Property (18%)
$0
15-Year Property (10%)
$0
Estimates are for informational purposes only and do not constitute tax advice. Consult a qualified CPA or tax professional for your specific situation. Actual savings depend on individual tax circumstances.

Payment calculator

$7,618 per month
Principal & interest
$6,058/mo
Property taxes
$1,093/mo
1.0946% of the price, El Dorado County's 2025-26 rate, plus direct charges: California re-assesses a home at its sale price. The $11,637 on this listing is the seller's bill.
HOA dues
$0/mo
From MLS listing data.
Home insurance
$467/mo
CA FAIR Plan + DIC estimate, ~$5,200–$6,000/yr — wildfire-zone rates vary; not a bindable quote.
Down payment
20% ($239,600)
Home price
$1,198,000
Loan details
30-yr fixed, 6.5%
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Murat Gocmen
Murat Gocmen
Managing Broker
CA DRE# 02235314 NV B.1003327.LLC

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